All Posts
Healthcare costs continue to rise, with the average annual premiums for employer-sponsored family health coverage up by 6% in 2025 compared to 2024. As a result, employers face growing pressure to offer meaningful benefits without stretching already tight budgets. Employees also…
Read More
Integrating Provider Lookup Tools With Health Insurance Plans
When members search for a doctor, they rely on provider directories to find in-network clinicians and avoid surprise bills. But what happens when those directories are riddled with inaccuracies? In Pennsylvania, 44.8% of provider listings contain at least one inaccuracy, and only…
Read More
Broker of the Month: Shawn Hill, Marsh McLennan Agency
Delivering Innovative Healthcare Savings for Public Sector Employers At The Difference Card, we are proud to recognize Shawn Hill of Marsh McLennan Agency as our Broker of the Month for his outstanding commitment to helping public sector employers deliver exceptional employee…
Read More
What Is a Level-Funded Health Plan?
A level-funded health plan is a hybrid model that combines the best features of traditional insurance with modern cost-control strategies. You get the financial protection and predictable monthly payments of a fully insured plan, plus the flexibility and potential savings…
Read More
Southern California Religious Non-Profit Achieves More Than $500,000 in Guaranteed Annual Savings While Enhancing Employee Benefits
As healthcare costs continue to challenge employers across the country, organizations are searching for innovative ways to protect their budgets without asking employees to sacrifice the quality of their healthcare benefits. Through a collaborative partnership between Chris Frascarelli, Senior Sales…
Read More
How Transparency in Healthcare Pricing Can Affect Patient Choices
Healthcare pricing has long been a source of frustration for employees and their families. For decades, the true cost of medical services remained hidden behind layers of negotiation, complex billing systems, and opaque insurance processes. Patients often received care without…
Read More
A Broker’s Guide to Helping Clients Understand Provider Search Tools
You’re sitting across from a CFO in the final renewal meeting. You’ve done the legwork, presented competitive rates, and answered the standard questions. Then they ask, “The network looks fine on paper, but how do we know these are good…
Read More
New England Private School Achieves $273,000 in Guaranteed Annual Savings with the Difference Card MERP Solution.
Private School Reduces Healthcare Costs While Maintaining Benefits and Budget Certainty A respected private school in New England, with over 100 teachers on staff, was facing a familiar challenge confronting educational institutions across the country: rising healthcare costs that threatened…
Read More
Broker of the Month: Brian Borovay with Marsh McLennan Agency in Dallas, Texas
Marsh McLennan Agency | Dallas, Texas At The Difference Card, we are proud to recognize benefits professionals who consistently deliver innovative solutions and exceptional results for their clients. This month, we are pleased to spotlight Brian Borovay, a respected employee…
Read More
Future Trends in Healthcare Benefits
Healthcare benefits are changing, placing employers in a tough position. With employer-sponsored insurance covering 154 million Americans, benefits are a critical part of employee compensation. Average family premiums reached almost $27,000 in 2025, up 6% from the previous year. The challenge…
Read More